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Travel insurance - holiday after renewal date/policy lapse

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FreddieFrugal
FreddieFrugal Posts: 1,752 Forumite
Part of the Furniture 1,000 Posts Name Dropper
edited 18 June 2014 at 7:56AM in Insurance & life assurance
Got annual travel insurance last year which includes cancellation cover. Renewal date is 5th July. We booked a holiday a few weeks ago for after this date.

Decided not to renew, as usual, cheaper elsewhere. But if we had to cancel due to illness etc. hypothetically, would we be covered by old policy because the holiday was booked at the time that policy was valid, or new policy because that was in force when the cancellation needed to take place, or would there be no cover because the old policy lapsed and the new one came after the booking of the holiday?

Thanks

EDIT: Change in details of questions a bit. Just taken out new policy to start on 5 July. But with same insurer, as could get cashback etc and price much cheaper than renewing. Does this fact alter the above?
Mortgage remaining: £42,260 of £77,000 (2.59% til 03/18 - 2.09% til 03/23)

Savings target June 18 - £22,281.99 / £25,000

Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    If you have to cancel you are covered by the policy in force on the date you cancel.
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    The only issue comes about if you become sick "now" but only declared unfit to travel after the 5th July as this condition would be pre-existing to the new policy
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